Kiwi Payments Kiwi RuPay Credit Card
India's first UPI-native credit card. Earn up to 5% cashback on everyday UPI QR payments — no merchant account needed. Just scan and earn rewards on every transaction.
Kiwi Payments Kiwi RuPay Credit Card
About This Card
The Kiwi RuPay Credit Card is a first-of-its-kind in India — a credit card that is natively linked to UPI. Unlike traditional credit cards that require a merchant account (POS terminal), Kiwi works by scanning any UPI QR code at participating merchants. This means you can earn credit card rewards on everyday small transactions at your local grocery store, tea stall, vegetable vendor, or any merchant that accepts UPI.
The card earns up to 5% cashback on UPI QR transactions, which is significantly higher than the 0.5-1% typically offered by debit cards or regular credit cards on small-value transactions. The card is issued on the RuPay network and works seamlessly with PhonePe, Google Pay, and Paytm — India's three largest UPI apps.
The card is completely lifetime free with no annual fee and no minimum income requirement, making it accessible to anyone with a bank account and a smartphone. The main limitation is that it only works on UPI QR payments — you cannot use it at merchant POS terminals or for online international transactions.
✅ Pros
- Only UPI-native credit card in India
- Up to 5% cashback on UPI QR scans
- Works with PhonePe, Google Pay, Paytm
- Completely lifetime free — no annual fee
- No minimum income requirement
❌ Cons
- UPI only — no merchant card swipe capability
- Limited acceptance beyond UPI QR
- New player with limited track record
- No international transaction support
🏆 Verdict
Kiwi RuPay is a game-changer for the Indian market. For the first time, credit card rewards are accessible on everyday small UPI transactions that previously only earned debit card points. The 5% cashback on UPI QR scans beats any traditional credit card for small-value purchases. The lifetime free status and zero income barrier make it ideal for students, first-time credit card users, and anyone who wants to maximize rewards without changing their payment habits. The only real limitation is that it's UPI-only — if you need merchant swipe or international capability, pair this with a traditional credit card for a complete wallet.